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Regulatory Update News

Trusts That Can Trim State Income Tax
Weekend Investor: So-called incomplete nongrantor trusts are attracting some investors in high-tax states. One such state has already cracked down on their use.

Callaway Golf Tees Up Growth
Since CEO Chip Brewer joined Callaway Golf in 2012, the Carlsbad, Calif., maker of golf clubs and balls has been turning its fortunes around. Some say its stock could soar 50% in next two years.

Investments for the Long Term
Sunday Journal: Gregory Zuckerman on trends that will move markets for years to come…and how to play them.

It's Time to End Financial Advisers' 1% Fees
Jonathan Clements says traditional advisers need to beef up their offering or risk losing clients to low-cost online advisers.

Where to Exit the Market Herd
Going with the crowd might have helped in high school, but it’s not necessarily a good investing tactic. Simon Constable suggests three contrarian investment plays.

Best Buy's Best Deal: Its Stock
A plunge in Best Buy stock this past week provides a buying opportunity before what could prove a lucrative year for television sales.

Plan Early for Big Financial Changes
If you have a big life event or money decision coming in 2015, start planning now. Early preparation will help you keep your emotions in check—that’s crucial for keeping your finances on track.

Clements: Misguided Money Ideas I Keep Hearing
Jonathan Clements responds to readers on when to claim Social Security, buying individual bonds or bond funds, and whether to pay off a mortgage early.

Cinemark Shares Could Be a Hit
Some analysts project 25% upside for theater chain.

A New Savings Plan for the Disabled
529 ABLE beneficiaries will still qualify for supplemental security income.

Social Security's New Income Rules
The cap on taxable income is rising this year.

A Tough Time for Renters
Rates are up and vacancies are at historic lows.

U.S. Job Growth Is Strongest Since 1999
Unemployment Rate, 5.6% in December, is lowest since 2008.

Will Funds Outperform in 2015?
For mutual-fund investors, bullish outlooks for stocks and bonds would suggest another good year in 2015. But also-rans and outright losers in 2014 provide lessons for investors, Tom Lauricella writes.

How to Keep Your Portfolio on Track in 2015
Looking to improve your money management in 2015? Jonathan Clements provides 31 rules to invest by.

Luxury Hotelier Belmond Offers Upside
Geopolitical setbacks could offer opportunity for investors.

Target-Date Funds Gained in 2014
They’re more popular, even as experts debate their design.

What Professional Investors Expect in '15
The key factors, many say, are rates, the dollar and oil, reports Lindsay Gellman.

Bed, Bath & Beyond Brick and Mortar
The home-goods retailer finds new life in e-commerce. In the latest quarter, Bed Bath’s e-commerce sales soared by 50% but the stock continues to be valued like that of a fading retailer.

U.S. Stocks Wrap Up Another Strong Year
Among top performers: Berkshire, Electronic Arts, Southwest Airlines, writes Brett Arends.

Structure Your Portfolio for Turbulence
Jonathan Clements on two investment rules to keep in mind.

Cruise-Ship Stocks Prepare to Set Sail
Cruise stocks jumped on news that the U.S. will begin to normalize ties with Cuba. China also looms as a lucrative market, which could boost shares of Carnival and Royal Caribbean Cruises 15% each in the next year.

End of the Road for 'Investing Basics'
Before moving on, Carolyn Geer looks back on her WSJ Sunday column.

How Cheap Oil Complicates Investing
While some stocks, like retailers, benefit, others take it on the chin, writes Gregory Zuckerman.

The IRA Advantage of a Low Tax Bracket
In years when your income is low, consider a Roth conversion, writes Jonathan Clements.

Google Shares Are On Sale
Down more than 12%, shares of the search-engine giant could jump if its ad business improves.

16 Rules for Investors to Live By
Columnist Morgan Housel shares a list of fundamental—and often overlooked—truths.

Not All Bonds Protect You From Volatility
Jonathan Clements explains how to size up a fixed-income portfolio.

Don't Let Stocks Drive You Crazy
The recent market volatility is enough to make even seasoned investors feel like ping-pong balls. How to keep your head when stocks fall more than 200 points one day, only to gain that and more the next.

Boat Maker Brunswick Catches a Wave
An incoming tide of economic growth and rising consumer confidence should continue to boost new boat sales and give a lift to shares of Brunswick. One analyst sees 20% upside for the stock.

We Need Stock Prices to Fall 25%
Jonathan Clements says it’s hard to be enthusiastic about the potential for U.S. stocks over the next 10 years.

J.C. Penney Stock No Holiday Bargain
The retailer’s latest earnings are little comfort to investors looking for same-store sales growth.

Investing Options for a Small Budget
Apart from your employer’s plan, there are low-cost ETFs and index funds, writes Jonathan Clements.

It's Time to Consider Commodities
Andrew Bary explains how contrarians can take advantage of an out-of-favor asset class.

The Downside to Stock Buybacks
Share buybacks aren’t always a good thing because companies could have better uses for the money, Sunday Journal columnist Jonathan Clements writes.

Western Digital's Competitive Drives
With a low P/E and a wild card in China, disk-drive maker Western Digital could have 40% upside, some say.

How Low Will Stocks Go?
If this is a routine correction, not much further, writes Brett Arends.

How to Make Your Savings Outlive You
Retirees can’t expect a fixed income stream from risky investments, Sunday Journal columnist Jonathan Clements writes.

Samsung: Nice Stock if You Can Get It
World’s leading maker of memory chips is highly profitable.

Why Small-Cap Stocks Still Look Pricey
Shares of small companies have fallen sharply, but they remain expensive in relation to sales and earnings.

Wall Street Gets a Case of the Jitters
It may not be a "correction," but it's a reminder that one is due.

Buy? Sell? Or Hold?
As 2014 winds down, Gregory Zuckerman takes the pulse of a surprisingly robust stock market.

The Simple Secret to Building Wealth
Saving steadily is far more important than high earnings or investment wizardry, writes Jonathan Clements.

Bank of America Could Surge Soon
It's improving financially and resolving its legal problems.

Three Ways to Assess Your Financial Progress
You don't need a professional planner to figure out where you stand, writes Jonathan Clements.

Ventas Bets Big on an Aging Population
Some think the REIT could surge 30% in the next year.

Approach Hot Indian Stocks With Care
India's stock market is enjoying a moment in the sun, helping turn India into a darling of U.S. investors looking for the next hot emerging market. But investors shouldn't be blinded to the risks by this year's shimmering returns.

Three Mistakes Investors Keep Making
Successful investing requires avoiding common mental and emotional pitfalls.

The Case for Sticking With Stocks
Long-term investors should keep at least 60% of their money in shares, even when they seem overvalued, this researcher says.

The Importance of a Balanced Portfolio
Jonathan Clements explains how it's done and how it helps.

The Headwinds Facing Active Mutual-Fund Managers
Three forces that drag down performance.

Have the Right Tools for Retirement
Five steps you should take before retiring to make post-employment easier. Among them, make a realistic and efficient plan for withdrawing money from savings and a nonfinancial plan for staying engaged during retirement.

Callaway Golf Tees Up Growth
Since CEO Chip Brewer joined Callaway Golf in 2012, the Carlsbad, Calif., maker of golf clubs and balls has been turning its fortunes around. Some say its stock could soar 50% in next two years.

Don’t Spend Old Age Pinching Pennies
Jonathan Clements suggests four strategies for those who are close to retirement.

Researchers Clamor for More Data on Investor Behavior
Weekend Investor: Securities firms aren’t sharing as much information as some finance professors would like.

Is It Time to Invest in Energy Stocks?
Weekend Investor: With oil prices at a six-year low, here are the options for investors—and the risks.

Contineo Launches Supermarket for Structured Products
Six of the world’s biggest banks have joined forces to back a new network for selling structured products in Asia, as competition intensifies among firms running marketplaces for wealthy investors.

Help With Retirement Budgets
Resources that focus on health care, college savings plans and lines of credit.

Planning to Retire? There’s an App for That
To help you get the most out of retirement, a growing array of apps and websites offer assistance with budgeting, Social Security questions, lifestyle planning and many other essentials.

It’s Time to End Financial Advisers’ 1% Fees
Jonathan Clements says traditional advisers need to beef up their offering or risk losing clients to low-cost online advisers.

A Big No-No If You’re Giving to a Charity From Your IRA
Not all charities are created equal when it comes to giving directly from your retirement account, warns Tom Herman.

Where to Exit the Market Herd
Going with the crowd might have helped in high school, but it’s not necessarily a good investing tactic. Simon Constable suggests three contrarian investment plays.

Investments for the Long Term
Sunday Journal: Gregory Zuckerman on trends that will move markets for years to come…and how to play them.

How to Play Stocks Now
Weekend Investor: It’s been a rocky start to 2015. But here are four reasons not to give up on the bull market.

Clements: Misguided Money Ideas I Keep Hearing
Jonathan Clements responds to readers on when to claim Social Security, buying individual bonds or bond funds, and whether to pay off a mortgage early.

A New Savings Plan for the Disabled
529 ABLE beneficiaries will still qualify for supplemental security income.

Cinemark Shares Could Be a Hit
Some analysts project 25% upside for theater chain.

When the CEO Is a Big Investor, Should You Buy Too?
Companies led by someone who owns at least 5% of the shares outstanding on average generate higher returns for investors, according to a study published last year in the Journal of Finance.

Scammers Target Brokerage Accounts
This week’s Morgan Stanley data breach, in which information on wealth-management accounts was posted on the Internet and offered for sale, is a reminder of the big dollars at risk.

Brains, Bots or Both? Finding a Financial Adviser
Investors have never had more choices when picking the right person (or robot) to guide their portfolio.

Star Stock Analysts’ Tips Are Worth a Lot
A study found that star stock analysts’ recommendations really are worth more than other analysts’ picks, but the advantage fades if investors don’t act right away on “buy” calls.

529s Loosen Up. A Little.
Contributors to these college-savings plans will now be able to adjust holdings twice a year, rather than once. But should you?

Advisers’ Forecasts for Stocks, Bonds and More in 2015
Mixing It Up: U.S. stocks will do well, say advisers from our past columns, whom we revisited. Bonds are more challenging.

For Janus, Now Comes the Hard Part
Snagging Bill Gross gives the investment company the chance to re-create the growth of its early years.

Behind a Bad Year for Active Managers
Fund Fiend: Large-cap fund managers faced even more of an uphill battle in 2014. One reason why: Index funds had more large-company stocks.

Beware of Nervous Mutual-Fund Managers
A study shows that gun-shy investment pros do worse, and risk losing their jobs in the process.

A Fund That Turns Fed Angst to Its Advantage
Spotlight: RiverNorth/DoubleLine Strategic Income Fund plays on worries and discounted values in the bond market.

When Stocks Start Year With a Bounce
In Translation: What the ‘January Effect’ means. It’s not the same as the ‘January barometer.’

A Pair of ‘Low-Carbon’ ETFs
Spotlight: Two exchange-traded funds track the same narrow index of companies with low carbon emissions.

Stock Funds Rose 7.6% in 2014 With Strong Final Quarter
Quarterly Monitor: With a 4.6% return in the fourth quarter, stock funds were able to grind out a 7.6% gain for the full year of 2014. This year could be more volatile.

Another Milestone-Leaping Year for ETFs
ETF assets in the U.S. hit $2 trillion last year as the industry’s giants grew even bigger and more asset managers jumped in.

Banks Subject to Intense Oversight, Inscrutable Rules
The fact that banks returned all bailout funds plus interest and paid tens of billions of dollars in fines is a missing chapter in the bank-bashing narrative.

Will Funds Outperform in 2015?
For mutual-fund investors, bullish outlooks for stocks and bonds would suggest another good year in 2015. But also-rans and outright losers in 2014 provide lessons for investors, Tom Lauricella writes.

How to Keep Your Portfolio on Track in 2015
Looking to improve your money management in 2015? Jonathan Clements provides 31 rules to invest by.

Target-Date Funds Gained in 2014
They’re more popular, even as experts debate their design.

15 Numbers Every Investor Needs to Know
Here are the figures that matter most for making smart decisions about investments, taxes and financial planning.

Stocks Can Do Well Even if Rates Rise
Indeed, the market has gained in most periods when the Federal Reserve tightens, columnist Morgan Housel says.

Last-Minute Ways to Cut Your 2014 Taxes
Tom Herman explains the rules on charitable deductions. Separately, many popular tax breaks that expired at the end of 2013 are getting a new lease on life.

Overheard: Investment Advice From Jay Carney
Overheard: Investment Advice From Jay Carney

Winning in Arbitration Against a Broker Doesn’t Guarantee Payment
One question investors should ask: Is my broker insured?

Three Investing Resolutions for 2015
One of these days, making money in the markets is going to get much harder. Here are three moves you can make for 2015 that could help when the party ends.

The Best (and Worst) Investments They Ever Made
Luminaries in finance and other fields reveal their greatest hits—and biggest misses.

Cruise-Ship Stocks Prepare to Set Sail
Cruise stocks jumped on news that the U.S. will begin to normalize ties with Cuba. China also looms as a lucrative market, which could boost shares of Carnival and Royal Caribbean Cruises 15% each in the next year.

End of the Road for ‘Investing Basics’
Before moving on, Carolyn Geer looks back on her WSJ Sunday column.

Structure Your Portfolio for Turbulence
Jonathan Clements on two investment rules to keep in mind.

Man Crashes Car Into Spanish Governing Party Headquarters
A man smashed a car laden with explosives into the Madrid headquarters of Spain’s governing Popular Party, but failed to detonate them and caused no casualties..

When Investors Behave Badly
People often fall prey to cognitive biases that harm their returns, such as fixating on what they paid for a stock. Here’s how to recognize the pitfalls.

Spanish Political Office Subject of Failed Attack

The Unspoken Signals in Earnings Releases
Can investors predict whether profits will be up or down when a company reschedules an earnings announcement? A new study suggests they can.

A Look at the Year Ahead With Three Financial Advisers
Fee-only financial advisers discuss how investors can prepare for increased volatility, any action by the Fed and other investment and tax issues.

Private Trusts for the Very Rich
Mega-rich families increasingly are setting up their own trust companies to manage and invest their wealth.

The IRA Advantage of a Low Tax Bracket
In years when your income is low, consider a Roth conversion, writes Jonathan Clements.

How Cheap Oil Complicates Investing
While some stocks, like retailers, benefit, others take it on the chin, writes Gregory Zuckerman.

Charitable IRA Rollovers Could Get Reprieve
Congress ended the week poised to revive a popular tax provision that encourages charitable donations of individual-retirement-account assets. Many expect Congress to revive it retroactively for 2014.

Good News for Brokerages Can Be a Bad Sign for Investors
Brokers’ clients are trading more and taking on more margin debt--practices that can hurt individuals over time.

16 Rules for Investors to Live By
Columnist Morgan Housel shares a list of fundamental—and often overlooked—truths.

A Simple Strategy for Investing in ETFs
With all the fancy funds out there, some analysts say investors should stick with big and simple. See our list of 65 large funds.

Health and Tech Funds Step Up
The sectors have shown strength and there’s a case to be made for both at least in the near term. But do investors already have enough?

Why You Need to Sell Those Losing Stocks
Why do people hang on to losing investments? In truth, the real loss is in not selling.

‘Replication Funds’ Prove Some Worth
Mutual funds designed to act like hedge funds for small investors faced a big test in October’s market turmoil—could they help even out the effects of volatility on a portfolio?

What ‘Window Dressing’ in Mutual Funds Means
In Translation: “Window dressing” is a somewhat disparaging term that is used a lot this time of year. We explain.

A Japan ETF That Capitalizes on Abenomics
Spotlight: WisdomTree’s Japan Hedged Equity Fund focuses on Japanese exporters and is expected to benefit from the yen’s weakening against the dollar.

Alluring ‘Energy MLPs’ Can Be Tricky for Investors
Investors may find that the different ways to invest in MLPs aren’t created equal.

A Fund That Leads From the Middle
Spotlight: Calvert Capital Accumulation Fund likes companies that are solid, midsize and unsexy.

Get Your Bonds Ready for a Fed Rate Boost
Bond investors have every reason to believe yields will rise next year. Investors can reduce the risk and add to returns.

Test Your Smarts on Funds and Investing
Investor IQ: Do you know which category of funds saw the most outfows in November? How about the group with the biggest returns? Take our quiz.

Five Books on the Financial Crisis
Now that the crisis is history, here’s a look at some of the prominent stabs that have been taken at chronicling what happened in 2008-09.

Reading Like an Investment Pro
It Was a Dark and Stormy Market....Here’s how mutual-fund managers and advisers sift through the mountains of reading material that guide their investment decisions.

Not All Bonds Protect You From Volatility
Jonathan Clements explains how to size up a fixed-income portfolio.

A Monthly Check for Life? Don’t Forget Inflation
Sales of immediate annuities are up this year, but fixed payments will lose value as consumer prices climb.

Money Can Also Buy You Unhappiness
It’s not just how much you spend; it’s how you spend, writes Jonathan Clements.

How Retirees Can Manage Market Risk
The challenge is to stay invested while reducing vulnerability to market plunges.

Most States Are Good Credit Risks
Ratings are strong despite pension and health-care obligations.

The Trouble With Hot Stocks
The next time you are tempted to buy a hot stock, here is one reason to resist the urge: The stock market is a popularity contest in which winners can actually be losers.

How to X-Ray Your Portfolio
Online tools can help investors review and analyze their stock and fund holdings.

Canada Studies Options as B.C. Port Upgrade Subject to U.S. Policies

British Columbia Port Upgrade Subject to U.S. Policies
Canada said it is looking at its options after learning a ferry-terminal upgrade at a port on its Pacific Coast is subject to U.S. policies that would prohibit the use of Canadian-made iron and steel.

A Stock Test for Millennials
You don’t know your true risk tolerance until equities take a dive.

The Rules on Capital-Loss Deductions
You typically can deduct as much as $3,000 a year in capital losses from your ordinary income. You can carry unused deductions into subsequent years until they’re used up.

Gifts for the Financially Savvy
A list of gifts for financially savvy people. Think of them as reminders that we all need to be smart about money.

Large Homes Can Be a Retirement Hazard
The pricier the house, the bigger the financial drain, writes Jonathan Clements.

The Holiday Opening for Family Discussions
You can talk about family finances without ruining dinner, writes Tom Lauricella.

Millennials, the Market Is Your Friend. Really
Upside: Columnist Morgan Housel writes an open letter to his generation of investors.

NTSB Rules Drones Subject to FAA Rules
The National Transportation Safety Board upheld a Federal Aviation Administration fine against a man for operating a drone recklessly, ruling drones are aircraft and subject to existing FAA rules.

J.C. Penney Stock No Holiday Bargain
The retailer’s latest earnings are little comfort to investors looking for same-store sales growth.

Deciding Whether to Join the Muni Rally
Weekend Investor: State and local government debt is a hot investment, as bankruptcy fears recede. Here’s what investors need to know now.

Risks of Betting on a Rising Dollar
Specialized currency funds have attracted assets this year, but they don’t make sense for many investors.

How the Journal Found Troubled-Broker Hot Spots
The Wall Street Journal analyzed records of 87% of U.S. stockbrokers, using methods from epidemiology to identify hot spots with high rates of brokers who had red flags in their filings.

Musical Instruments as an Investment
Instruments can offer returns that are music to investors’ ears. But there are pitfalls to be avoided, including giving emotion too much weight.

A Guide to Picking the Right Trust
Set up the right way, they’re a great way to protect assets. But beware the pitfalls.

Investors Find Warmer Welcome in Europe
Journal Report: European countries are trying to attract wealthy foreigners by offering residency status in return for real estate and other investments.

Crowdfunding Is Opening Investment Doors
New crowdfunding sites let investors find opportunities for debt and equity investments that have long been available only to institutions.

What to Watch Out for When Changing 529 Plans
It’s easy to get blind-sided by rules and restrictions that can cause the account owner to owe taxes and penalties.

Estate Planning for Childless Couples
At a minimum, there are two main tasks: deciding who inherits property and assigning power of attorney.

It’s Time to Consider Commodities
Andrew Bary explains how contrarians can take advantage of an out-of-favor asset class.

Investing Options for a Small Budget
Apart from your employer’s plan, there are low-cost ETFs and index funds, writes Jonathan Clements.

Financial Moves to Make This Year
Brett Arends writes about getting tax breaks to using up expiring mileage awards.

VA Says More Than 5,000 Employees Subject to Disciplinary Proposals

VA Says More Than 5,000 Subject to Discipline
More than 5,000 Department of Veterans Affairs employees are currently subject to disciplinary proposals with more than 40 of them related to patient care, according to the VA, but no hard timeline has been put in place for many of those cases.

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